I thought about it last night and real zombies would not be carrying a bunch of junk. If we all turned to zombies right now, what would we find in our pockets? Not much. Some people may have a backpack on with supplies they were carrying to bug out and then died and became a zombie, but not many.
The POIs contain the loot. Zombies block access. Kill/evade zombies to get at the loot. Yes, on your 100 dude server you would need to increase loot respawn or a bigger map, so you can drive farther to find stuff.
Bones from zombie corpses? Maybe corpses could stay around longer, it would look better, but on bloodmoons we remove oldest ones, so FPS does not tank? Would I really want to hack up zombies ever? Good way to get infected. I think more animals would be nice, to get bones and fat, with zombies killing them, so you need to thin out the zombie population to encourage more animals to survive, but if a zombie kills a boar, could you not just kill the zombie to loot the boar corpse? Lots of ways you can go with this.
Much testing and tweaking to go.
To some extent I disagree with you. The apocalypse happens and you want to escape the area. You grab a backpack, suitcase, something to carry important stuff. Money, food, heath items, medication, small amount of tools, weapons, even if just the kitchen knives. Blankets, cooking pot, bottled water, matches, lighter, matches, anything to start a fire. Flashlights rope, string, something like that. some idiots will grab a cell phone, tablets, iPads.
We already have in our garage a package of emergency food that will last for 25 years, enough for a couple weeks, we keep bottled water as the water here is lousy. We have the start of a emergency kit, with some of these items in them and are getting others, such as iodine, magnesium strips, pads, tampons, they are great for wounds.
Now, in all honesty, not everyone is going to think of what they need and keep it in a container. But I have a son who is into being prepared and has read up on a lot of survival tips needed. What parts of a animal can be used to make what. And watches survival shows. He even has a book that shows what is safe to eat in our area. Did you know that you can chew bark from a willow tree to help with headaches? You can eat dandelions leaves, cattails for soup, chew pine needles for vit C, pine resin can be used as a adhesive, spider webs help keeps wounds from getting infected, as does honey. Mint plants can help, when rubbed on fingers and toes to help in not getting frostbite. Helps to have a son who is into survival and a hubby who is from West Virginia and his step-mom and step-grandparents were the "hillbillys" who knew the old ways. We aren't " the world is going to end" type, just be prepared somewhat in case something happens. We also have several guns, pistols and ammo here.
But, many will grab the basics, food, water, first aid kit, weapons, flashlight, blankets. So, you would find that in a back pack on some zombies. Not a lot, I agree, but there would be some and cars would have lots of loot, people who packed up what they thought they would need and tried to escape before they turned or were killed.